Disruptive in that the phone Carriers hate it (takes away from their texting revenue) but more importantly, its the future of WhatsApp and these type of Apps that is disruptive. WhatsApp is planning to do more voice features/services in the future, and with that, may go the Carriers cell phone voice revenues. WhatsApp is Wi-Fi only, which means you don’t have to pay a dime to the Carriers for text and soon…voice. As long as your Wi-Fi connected, there may be no reason to buy a cell phone plan. The challenge is to get the entire world on Wi-Fi for FREE or cheap. What the OEM’s have to work on is super cheap smartphones or cheap small form-factor iPod like devices that will connect to Wi-Fi.